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Bharat Microfinance Report

Fostering Inclusive Impact Finance

Chapter 2 - Section 2.3 - SubSection 2.3.1

State/UT-wise Loan Outstanding (Rs in Cr.)

Loan outstanding has decreased in states like Manipur (-18.07%) and Punjab (-3.47%) due to local issues, while major states like Uttar Pradesh (37%) and Karnataka (35%) saw significant growth. The microfinance sector is shifting, with NBFC-MFIs increasing their market share to 39%, overtaking banks, which have dropped to 33% due to new regulatory norms.

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India Country

Loan Outstanding (₹ in Cr.) of all micro-lenders across States/UTs - March 2024 & March 2023 (in descending order of Loan Outstanding)

100 %

0 %

March 2023

0

Lakh Unique Active Borrowers in Total

March 2024

0

Lakh Unique Active Borrowers in Total

Loan Outstanding (₹ in Cr.) of all micro-lenders across States/UTs - March 2024 & March 2023 (in descending order of Loan Outstanding)
Market Share of micro-lenders in terms of Loan Outstanding (in %)
Loan Outstanding (₹ in Cr.) of all micro-lenders across States/UTs - March 2024 & March 2023 (in descending order of Loan Outstanding)
S. No.State/UTMarch 2023March 2024Y-o-Y Growth (in %)
1Bihar491816548733 %
2Tamil Nadu464035823926 %
3Uttar Pradesh338444630437 %
4Karnataka315884256035 %
5West Bengal309624032830 %
6Maharashtra274533330421 %
7Odisha204442561525 %
8Madhya Pradesh208822487019 %
9Rajasthan156081814416 %
10Kerala127521415911 %
11Jharkhand106801311823 %
12Gujarat101381310729 %
13Andhra Pradesh5903834641 %
14Assam5974741024 %
15Chhattisgarh6205739019 %
16Haryana580162368 %
17Punjab58895684-3 %
18Telangana3431501546 %
19Tripura1901231422 %
20Uttarakhand1695207723 %
21Puducherry67884224 %
22Delhi65079522 %
23Goa13519545 %
24Himachal Pradesh1731825 %
25Others9217288 %
26Sikkim9813336 %
27Meghalaya10012929 %
28Mizoram9512128 %
29Manipur127104-18 %
30Jammu & Kashmir758311 %
31Arunachal Pradesh438187 %
32Nagaland475517 %
33Chandigarh52544 %
34Andaman & Nicobar142043 %
35Daman & Diu131626 %
36Dadra & Nagar Haveli6955 %
37Ladakh0.020.0331 %
Industry34913044270027 %
Market Share of micro-lenders in terms of Loan Outstanding (in %)
Lender TypeLoan Outstanding (₹ in Cr.)
NBFC-MFIs173504
Banks146909
SFBs74712
NBFCs45236
Others2338